What Is Spotto on Bank Statement? Taxi Payment Explained[2026]

“Spotto” on your bank statement is a taxi fare. You paid a cab driver who used a Spotto handheld EFTPOS terminal to process your card or contactless payment. Spotto is built by Cabcharge Payments Pty Ltd, part of a2b Australia Limited (ASX: A2B), which also runs 13cabs and Silver Service.

Key Takeaways

• Spotto is a cordless EFTPOS terminal exclusively for Australian taxi drivers.
• The charge reflects a taxi fare you paid by card, Apple Pay, Google Pay, or EFTPOS.
• Spotto is operated by Cabcharge Payments under a2b Australia (formerly Cabcharge Australia Limited, founded 1976).
• Over 15,000 drivers use Spotto terminals across Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, Newcastle, and Darwin.
• The platform has processed over $500 million in taxi fares since launch.
• Spotto does not accept Cabcharge vouchers, government subsidy cards, or concession cards.
• To quickly identify Spotto and other unfamiliar charges, convert your PDF bank statement into a searchable spreadsheet with Your Bank Statement Converter.

What Is Spotto on Bank Statement?

Spotto is a mobile payment terminal that taxi drivers across Australia carry inside their vehicles. When a passenger taps their card or phone at the end of a trip, the fare is processed through the Spotto device. The transaction then shows up on the passenger’s bank statement as “Spotto” along with a city name and “AUS.”

Cabcharge Payments Pty Ltd distributes and manages Spotto. Cabcharge is a subsidiary of a2b Australia Limited, which was acquired by ComfortDelGro Australia in April 2024 for AUD $182 million. a2b Australia has operated in the Australian taxi sector since 1976 and at one point had payment terminals installed in 97% of all Australian taxis.

Statement descriptor formats include:

• SPOTTO [City] AUS
• CABCHARGE SPOTTO
• Spotto Payments

The terminal runs on a PAX A920 Pro device, accepts Visa, Mastercard, EFTPOS, Apple Pay, and Google Pay, and settles driver funds 7 days a week including weekends and public holidays.

Who Uses Spotto Terminals in Australia?

Spotto is exclusively designed for taxi drivers. It cannot be used by hire car operators, rideshare drivers, or other transport providers.

Drivers operating under these a2b Australia taxi brands commonly use Spotto:

• 13cabs covering Sydney, Melbourne, Brisbane, Adelaide, Perth, Darwin, Newcastle, and regional NSW, VIC, QLD, and WA
• Silver Service offering premium cab services in capital cities
• Yellow Cabs Queensland serving Brisbane and surrounds

Independent taxi operators outside these networks can also sign up for a Spotto terminal. There are no monthly fees, minimum transaction thresholds, or ongoing costs associated with the device.

Australia has approximately 33,488 registered taxis operating nationally. The Australian taxi market was valued at AUD $9.31 billion in 2024 and is projected to grow at 5.80% CAGR through 2034. Over 57,100 people work in the taxi industry, and the average spend per taxi ride in Australia is $36.

Why Does Spotto Appear Instead of the Taxi Company Name?

Spotto is the payment processor, not the taxi company. When a driver processes your fare through the Spotto terminal, the bank statement reflects Spotto as the acquiring merchant rather than the taxi brand (13cabs, Silver Service, etc.).

This is identical to how other payment processors work in Australia. A cafe using a Zeller terminal shows “ZLR*” on your statement. A shop using Square shows “SQ*.” Spotto follows the same convention.

Your bank may also display enriched data through third-party services, which can slightly alter how the merchant name appears on mobile banking apps versus official PDF statements.

What to Do If You Don’t Recognise a Spotto Charge

Match the date and amount. Think back to any taxi trips you took around that date. Check your 13cabs or Silver Service app trip history if you booked through those platforms.

Check digital wallet records. Apple Pay and Google Pay retain transaction logs with merchant details that may show more information than your bank statement.

Ask household members. A partner, family member, or colleague may have used your linked card for a taxi ride.

Watch for overcharging. There have been documented cases of taxi drivers in Sydney processing higher amounts than the metered fare through handheld terminals. If your Spotto charge seems excessive compared to the trip distance, this may warrant investigation.

Check for fraud. If you are certain nobody using your card took a taxi, contact your bank immediately. The ACCC reported Australians lost over $2.7 billion to scams in 2023, and card fraud remains a significant portion of those losses.

For a faster review process, upload your statement to Your Bank Statement Converter and convert it into an Excel or CSV file. You can then filter by date or search “Spotto” to isolate every taxi-related charge instantly.

How to Dispute or Get a Refund for a Spotto Charge

1. Email Spotto support at support@spotto.com.au with the transaction date, amount, and any trip details.
2. Call the taxi network. 13cabs can be reached at 13 22 27.
3. Request a chargeback through your bank if the charge is unauthorised or if the merchant doesn’t resolve the issue.
4. Escalate to AFCA. The Australian Financial Complaints Authority (afca.org.au) handles unresolved payment disputes.

Keep your bank statement evidence organised. Your Bank Statement Converter lets you export clean, filtered transaction records that you can submit directly to your bank or AFCA as part of a dispute.

Related Bank Statement Guides

• What Does SQ Mean on Bank Statement?
• What Does PayPal Show Up as on a Bank Statement?
• What Does Apple Pay Show Up as on Bank Statement?
• What Does Google Show Up as on a Bank Statement?
• What Does Point of Sale Mean on a Bank Statement?

Conclusion

“Spotto” on your bank statement means you paid a taxi fare through a Spotto EFTPOS terminal. The device is operated by Cabcharge Payments under a2b Australia, serving 15,000+ drivers across every major Australian city. If you need to verify a charge, cross-reference the date and amount with your trip history. For ongoing statement clarity, Your Bank Statement Converter turns your PDF bank statements into searchable spreadsheets so every charge is accounted for.

Frequently Asked Questions